2018 Volvo S90 T5 AWD -- Advice?

Ask the Hackrs
1

Hello everyone,

I’ve been lurking for a few months, but first time post here looking for advice on the following deal I’ve received locally for the S90 T5 MOM AWD. Please provide any thoughts you may have on the quality of this deal. This deal is a little unique as it is a service loaner that they have just pulled. Mileage = 6,050

MSRP: $57,800
Selling Price: $41,735
Monthly Payment: $363.71
Down Payment: $0, $3600 in MSDs
Incentives: Included in selling price above, $5,200 in Volvo incentives. $3,000 from Costco Plan.
Months: 36 Months
Annual Mileage: 7.5K
MF: .00048 (before MSDs)
Residual: Quoted as 30,580. A little different from edmunds %, but I assume that’s due to the mileage on the car.
Region: Midwest (Ohio)
Bank Fee: $695

Any help or insight would be greatly appreciated!

Here’s the calculator I filled out:

I am off a little bit but I think it is related to fees as I haven’t gotten a solid fee breakdown yet to put in.

2

They aren’t supposed to apply the costco/Aplan to loaners. If your dealer is allowing it, then that is an extra benefit to you.

1 Like
3

Hey cheapdad – thanks for the reply.

I honestly just assumed the $3k was in there, but I didn’t get a breakdown of the incentives individually. It could be not included and that addt’l $3k is actually just more dealer discount, but at the end of the day the sale price is what it is (discount+incentives). Possible effect on taxes though…

This deal came together very quickly as the dealer reached out to get it done by end of day (last day of the month/quarter) is the reason for being a little sparse on the full breakdown.

4

Ohio doc fee is a maximum of 250
ohio dmv is only about $85
solid deal